Columbia Bank provides financial services to businesses and families, offering a range of banking solutions and guidance across personal and commercial needs. With a focus on relationship-based service, the bank supports clients at various stages, from business growth to personal financial planning. Headquartered in the West, it emphasizes expertise, resources, and tailored advice to assist customers in managing accounts, loans, mortgages, and other financial products.
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Columbia Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 11/03/2025.
3.5
1,961 reviews
from WalletHub and across the web
1,961 reviews from WalletHub and across the web
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Columbia Bank
Jeff YN @jyurtin
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1 Star Rating
These inept individuals at Umpqua Columbia are something else. I have had continuous fraud on my debit card, and despite cancelling it, I continue to receive charges. Stay away from them.
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Product: Columbia Bank Credit Cards
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Columbia Bank
Marcus hedgepeth @lilmark24chillin
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1 Star Rating
Good morning. Okay, so my dealings with Umpqua Bank, which continually allow transactions to proceed on my account that are obviously fraudulent, they do not work to help their customers; they only do more damage. For example, I had a check deposited (Jeremy Bloodshed), and Linda managed the issue, allowing it to go through and putting my account overdrawn by more than I could ask them to cover. And get this: it basically helps people commit fraud against your account. I have never known a bank so thoughtless and so against their customers, and more on the side of facilitating fraud on your account.
Don't believe me until it happens to you. Oh, and get this: apparently, they block you from going above Linda's head to get to the bottom of this because some people just can't make it to their branch when they live about an hour away. So, while Linda sits back and enjoys her weekend by allowing her customers to be in doubt about where the security is, this bank unquestionably allows bad transactions without calling or alerting. I am livid and will be seeking legal advice to pursue this. I've already had to go to an identity website to help with the issue because this bank allows fraudulent activities, and it's almost like they want to help the wrongdoers. It makes no sense; maybe she got a cut out of it, who knows. I do not recommend this bank to anyone; they will allow fraudulent activities on your account and will treat you like the suspect.
I'm not perfect, so somewhere my information was hacked, but no one deserves for their bank to not stand up for them in these situations, and I shouldn't have to be forced to come in if I am not able. All this could have been handled over the phone. I mean, did the people who committed the fraud walk through the door and pretend it was me? I highly doubt it. Umpqua knows me, so don't even say yes because I did not come in and authorize this at all. Listen, everyone, do not choose this bank; they won't stand up for you.
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Product: Columbia Bank Checking
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Columbia Bank
tifjonestheone @tifjonestheone
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1 Star Rating
Managers seem to be on vacation during holidays, resulting in significant delays for customers awaiting approval for transactions. My experience was marred by an inordinate wait for staff to obtain the necessary authorization for my withdrawal. I would rate this experience zero stars. This is not a satisfactory way to manage a banking institution, particularly during the busy holiday season, which demands more efficient service. The employee assisting me had to call three separate locations to find a manager to approve my cash withdrawal.
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Product: Columbia Bank Checking
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Columbia Bank
John Smith @outdoordon65
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1 Star Rating
I had a neighbor pass away, and he left me as the personal representative. A day after his passing, I contacted the loan officer to inform them of his demise. They instructed me on what to do with his accounts. They were very helpful at the start, I would say 5-star. Then I get a call from my attorney telling me that Umpqua was foreclosing on his estate. I was never informed, even when I called them seven months after his passing, to let them know where we stood with the courts and the process of the estate according to the laws. They again informed me that everything was okay. I DON'T TRUST THIS BANK anymore. Back in August, they could have asked me to see about bringing it up to date but didn't. So, at the end of November, when I was informed that I could bring it up to date, I went in to pay it. They took the money and on the same day, they refused it and put it back into the account. Puzzled by it, I spent three days trying to find out why this was happening; no reason was given. Bad business, in my opinion.
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Product: Columbia Bank Business Services
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Columbia Bank
John Holt @jfholt
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1 Star Rating
Verified Customer
I paid off and closed an account at Umpqua Bank. Whenever I looked online, I had a zero balance. I was not aware, and nowhere was it stated, that there was an outstanding fee of five dollars. I had just paid off a $500,000 HELOC. After 30 days, this $5 impacted our credit scores—my wife's and mine—which were reduced by over 100 points. I contacted Umpqua multiple times, and they refused to help. They said they had informed me by mail. I found the letters they sent, and this was true. But I bank online, and when my balance is zero, I don't open mail. I am disabled—having ALS, my hands are nearly useless. We are very upset about this.
They said I had to go to a branch at one point. The nearest branch had closed down, so the nearest branch is hundreds of miles away. My advice is to be very careful when banking online with Umpqua Bank and don't expect any help.
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Product: Columbia Bank Home Equity
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Columbia Bank
Will Farm @will_86
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1 Star Rating
Impersonal and apathetic Umpqua Bank call center mentality has replaced the traditional Pacific Continental Bank customer service that earned my original business. Umpqua Bank routinely experiences problems with online banking accuracy, such as missing deposits and incorrect balance totals. It frequently issues debit card lockouts while providing a common excuse of unknown "fraud algorithms." It is no longer an organization I trust to protect my accounts.
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Product: Columbia Bank Business Services
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Columbia Bank
jack mcduff @jackmcduff22
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1 Star Rating
My account has been hacked three times in six months, and when I questioned why I had to open two new accounts within a year, they were so rude. I've moved all my money to credit unions and am much happier. Something is very wrong with this place; they don't care about their customers. Run!
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Product: Columbia Bank Checking
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Columbia Bank
Steve @evensteven76
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1 Star Rating
Absolutely a nightmare to deal with! We recently lost my mother-in-law, and her house was left for my wife. My mother-in-law did online banking to pay her mortgage through Umpqua Bank. When we tried to get information on making payments, we were told that they couldn't provide us with a way to even make payments, even though we had the death certificate, will, etc. I was told if we could figure it out on our own, then we could do it, but they couldn't help. I finally found old paperwork from 6 months earlier, and an autopayment number so that I could make the payments, otherwise, we would have lost the house. Even with the autopayments, it didn't tell me how much was owed. I was making blind payments until eventually, I received notices of pre-foreclosure, at which time we finally knew what was owed. Almost a year of dealing with many different people yielded the same result. I will never use this bank again at any cost. Beware!
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Product: Columbia Bank Mortgages
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Columbia Bank
ALLEN SOOTER @asooter
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1 Star Rating
This Bank is one of the worst in these new banking era days. I reported to them a possible banking fraud and was only giving them a heads up on what the issue was with a PayPal problem. A few days later I got a phone call from the snotty bank manager and she told me that my account was closed and come get my money from my account. This presented a huge problem because my S.S. money came to this bank by digital deposit and now with my account closed not only did I not get my S.S. but they rejected my mortgage payment for my home saying the account us NSF when there were several thousands of dollars in the account. I did go to the bank and had a very heated conversation with the female dog manager and she would not give the reason for them to close my account after 35 years. Then they had the B.S. story that the ruling came from the back office, what ever that means. So they came to me with a check for the balance of my account, I told them to put the check where the sun don't shine and pay me in cash. They scrambled for a while trying to come with the thousands and thousands of dollars from my account of which they returned my mortgage check from that they posted as NSF. DO NOT EVER PUT A DIME OF YOUR MONEY IN THIS CROOKED BANK.
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Product: Columbia Bank Checking
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Columbia Bank
edringtoncedarb @edringtoncedarb
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1 Star Rating
Well unfortunately they don't know anything pertaining to W-9 and we did not get any service from them or even a phone call back or text email whatsoever the bank seems to be convoluted repressed debunked sorry DEW Corporation would not recommend anybody to this establishment. ¿
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Product: Columbia Bank Business Services
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Columbia Bank
Anonymous @Anonymous
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1 Star Rating
I had been a customer for over 25 years. When I called to warn them a scammer was attempting to withdraw $1000 from my checking account, they did nothing to help me stop it. They told me to call back when it was showing as "Pending," but by the time it did, it was after hours and the fraud department was closed. When I was able to call the next day during open hours, they simply apologized, stating the funds had transferred and they wouldn't return the money. I warned them it was coming, and they didn't freeze my account or put a flag on it to monitor for the pending charges. The fraud department pretty much just told me there was nothing they could do about it. Regrettably, I moved all my business to another bank.
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Product: Columbia Bank Checking
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Columbia Bank
Sharyn Adams @Broncogirl541
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1 Star Rating
Horrible treatment by branch manager and assistants. Have spent 6 months trying to take care of business. Still waiting. Have decided to close accounts; now they won't give us Cashier's Checks. They have lost all of our paperwork and need to send papers to be reviewed. Asked for a timeline. Unable to give one.
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Product: Columbia Bank Business Services
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Columbia Bank
Jordan Carson @carjor4
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2 Star Rating
I have an unauthorized charge on my debit card. I called the service center the day before yesterday, a 42-minute wait. I called yesterday, a 51-minute wait. I am currently waiting and have been on hold for 46 minutes. My local branch said they can't help with unauthorized charges at the bank, I have to call the center. This is the most significant lack of service I have ever experienced in banking. The worst! They can afford to take over another banking company, but they can't afford to hire the personnel needed to service those customers. Lousy in every way.
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Product: Columbia Bank Checking
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Columbia Bank
wargoandi73 @wargoandi73
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1 Star Rating
This bank is awful! I have had nothing but trouble. I spent an hour and a half trying to get my account the first time, only to be looked at blankly and told, "I don't know how to help you." I gave them the benefit of the doubt and went back. Giant mistake! They took my check for $80,000, and a week later, I still had no access to my money. I have been blocked out of online banking and am on my third hour of trying to figure it out. I still have not been reassured that my money is even safe.
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Product: Columbia Bank Checking
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Columbia Bank
Anon Reviewer @rls511
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1 Star Rating
Do not bank with Umpqua.
Terrible customer service and very poor communication on all fronts.
They froze my account due to possible fraud (which was great), but then never notified me that they were closing the account, still allowing me to deposit funds.
They had my mail, phone number, and email, yet they chose not to notify me at all that my account was disabled.
As a result, all of my bills, credit cards, and rent payments were rejected, causing me to be charged with hundreds of dollars in late fees.
I am now spending days trying to rectify the situation, from updating auto-pay options across all the apps I use to having to take a day off work to drive to the nearest Umpqua to pick up a check.
In the age of digital banks with higher APY, why even waste time with this local bank?
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Product: Columbia Bank Checking
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WalletHub Awards
Columbia Bank has won the following WalletHub Awards:
Get answers to your questions about Columbia Bank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Umpqua Bank overdraft fee is $35 for each item. The bank limits the total overdraft fees charged in one day to a maximum of $175. However, there's a small exception: They will not charge the fee if your checking account ledger balance at the end of the day, after all transactions have posted, is overdrawn by $10 or less.
It's important to note that fees and terms can change. For the most up-to-date information please check directly with Umpqua Bank website.
There's no way to earn points with the Columbia Bank Zero+ Card because it isn't a rewards card. It's a credit card that comes with an intro APR of 0% for 21 months for both purchases and balance transfers.
Umpqua Bank does not explicitly advertise a dedicated “beginner account.” However, the Umpqua Foundation Checking account is considered a strong option for customers who are new to banking or restarting their financial journey.
For the most up-to-date information, visit Umpqua Bank's website or contact their customer service at (866) 486-7782.
You can check the best checking accounts available to ensure that whatever decision you go for really fits your goals.
Choose the account: Select an account that meets your needs.
Provide Personal Information: Furnish personal details including your name, address, date of birth, Social Security number, valid ID, email address, and phone number.
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Umpqua Bank offers several overdraft protection options to help you manage your account and avoid declined transactions or returned checks. Here's a breakdown on the options:
Overdraft Protection from a Deposit Account: You can link another Umpqua deposit account to your checking account. If you overdraw your checking account, funds will be transferred from the linked account to cover the shortfall. There's a $10 fee per transfer.
You can apply for the Columbia Bank Zero+ Card online, through the bank's website. This way, you can easily access the credit card's application form and complete it at your own pace. You can also apply in person at your local Columbia Bank branch. Unfortunately, you cannot apply for this card over the phone.
How to Apply for the Columbia Bank Zero+ Card Online
Visit the bank's website and log in to your online account.
You can check your Umpqua Bank credit card application status by calling 1 (800) 364-9648. When you call, listen to the automated menu and press the key to check your status, then verify your identity so Umpqua Bank can match you to your application. You unfortunately cannot check your Umpqua Bank application status online.
How to Check Your Umpqua Bank Credit Card Application Status
To do a balance transfer with Columbia Bank, new applicants can just complete the balance transfer portion of a Columbia Bank credit card application. Existing cardholders can request a balance transfer online or by calling customer service at (866) 486-7782.
Columbia Bank balance transfers usually take 14 business days to process. In the meantime, continue to make payments on your original debt in order to avoid any late fees and possible damage to your credit...
Yes, Umpqua Bank has several ATMs across the states of Arizona, California, Colorado, Idaho, Oregon, Utah, and Washington. They also allow access to ATMs from the Plus Network.
To find the nearest branches or ATMs, visit Umpqua Bank's website or contact their customer service at (866) 486-7782.
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by WalletHub: Columbia Bank Zero+ Card and Columbia Bank Visa Signature® College Real Rewards Card.
